oh, that's very good advice! I hadn't even considered such a thing! That's a great idea. Some of my bills are absurdly low, like around $175. It's not clear to me how I let it all go........you're right, I need to get my shit in order, so writing sounds like the best way. Thanks.
I see that my "solutions" are not reality-based, as my solution revolves around imaginary worlds in cars........ABSURD!
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Be bold with those percentages. I'd have paid much more for the sins of my youth if I hadn't made extensive use of "I could pay 50/70% now, or 10$ a month". The higher the amount and the older the debt, the better the conditions :)